BANKER`S DIGEST

QUESTION BANK

Banker’s Digest [email protected] Mobile 9490213002 Question Bank

1. Education Loans sanctioned by Banks are covered under “Credit Guarantee Fund Scheme for Education Loans (CGFSEL)” managed by National Credit Guarantee Trustee Company Ltd., provided the loans are….. a) Sanctioned on or after 16.09.2015 and the sanctioned amount should not be more than `7.50 lakh; b) Not backed by any collateral security or third party guarantee; c) The interest rate should not be more than MCLR + 2%; d) a & b; e) a, b & c

2. Banking Codes and Standards Board of India (BCSBI) is related to issues pertains to a) Customer Service b) Loan sanctions c) Bank Inspections d) Forex transactions e) None

3. As per latest RBI guidelines, appointment of “Internal Ombudsman (IO)” is mandatory for all ……. a) Public Sector Banks b) Private Sector Banks c) Commercial Banks d) Banks having more than 10 branches e) a & b

4. Failure of internal systems, processes and people likely lead to a) Credit Risk b) Market Risk c) Liquidity Risk d) Operational Risk e) Technology Risk

5. As per IBA Model Education Loan Scheme, the minimum & maximum age criteria for the borrower (student) are…… a) 10 & 35 years b) 18 & 35 years c) 18 & 45 years d) All majors e) None

6. Advance against Book Debts (other than MSME) should not exceed ……. % of working capital limits. a) 10% b) 50% c) 25% d) 100% e) no such ceiling

7. Government pays agency commission to the banks @ ………. for Pension payments a) `50 per credit b) `12 per credit c) `65 per credit d) `60 per credit e) None

8. PCFC advance generally allowed for a maximum period of a) 360 days b) 270 days c) 180 days d) 90 days e) no such limit

9. TDS deducted by the bank is to be remitted to Income Tax authorities within….. a) 15 days from the date of deduction b) 7 days from the date of deduction c) 15 days of succeeding month d) 10 days of succeeding month e) 7 days of succeeding month

10. What is the rate charged by banks for the discounting of approved bill of exchange? a) Repo Rate b) Bank Rate c) Reverse Repo Rate d) MCLR e) None

11. Companies look for Commercial Paper since they need…. a) Long Term Low Cost funds b) Short Term High Cost funds c) Long Term High Cost funds d) Short Term Low Cost funds e) None

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12. X aged above 65 years placed a term deposit and requests TDS exemption as his total income including interest income falls below the taxable income, which form he need to submit to the bank? a) Form-G b) Form-H c) a or b d) No form is required e) None

13. Borrowers availing crop loans up to `3 lakh are eligible for interest subvention at …….. besides prompt payment incentive of ………. a) 1% & 3% b) 2% & 1% c) 3% & 1% d) 2% & 3% e) None

14. The minimum acceptable TransUnion CIBIL Limited score is fixed as …… while entertaining credit proposals by the Banks / Financial Institutions. a) 300 b) 400 c) 550 d) 600 e) None of the above

15. To consider Housing loan, the age of building shall not be more than…. a) 15 years b) 20 years c) 15 years in Rural/Semi Urban & 20 years in Urban/Metro areas d) Residual life of the building should be at least 10 years over and above repayment tenor e) Residual life of the building should be at least 15 years over and above repayment tenor

16. Bank is required to submit XOS statement to RBI, in respect of a) Foreign exchange transactions b) Import transactions c) Overdue export bills d) Overdue import bills e) FCNR accounts

17. Zero Coupon Bonds refers to a) Bond issued at face value b) Bond issued with face value & interest c) Bond issued at discount from its face value with interest d) Bond issued at discount from its face value without interest e) None

18.“Sishu” scheme is meant for a) Loans granted to Minors b) Deposit scheme for children below 5 years c) Subsidized scheme for children education d) Scheme for pregnant women e) Loans sanctioned under Mudra scheme up to `50000/-

19. In the Banks, the “Forward Contract” deals with…………..of its clients. a) Fixed Interest Rate b) Default Risk c) Risk Fund to protect from business cycles d) Exchange Rate Risk arise out of foreign currency contracts e) None of the above

20. As per RBI guidelines, the depositor is eligible to claim the unclaimed deposit (transferred to DEAF account) from RBI along with interest @.... a) 4% b) Bank Rate c) Applicable SB interest d) 5% e) 3.50%

21. For transfer of funds through NEFT (National Electronic Fund Transfer), the minimum and maximum amounts that can be transferred are….. a) `1000 and maximum `5 lacs b) `1000 and maximum no limit c) `5000 and maximum `1 lacs d) No minimum & maximum amount e) None of the above.

22. Savings Bank account can be opened by…… a) Individuals b) Trusts c) Business entities d) a & b e) All

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23. RBI advised all banks to extend “Doorstep Services” to ………..customers. a) Corporate Clients b) Senior Citizens c) Senior Citiznes with above 70 years d) Infirm persons e) c & d

24. It is mandatory for banks to obtain Joint Lending Agreement (JLA) where the aggregate credit limits availed by the borrower from multiple banks exceeds…. a) `100 crore b) `150 crore c) `300 crore d) `500 crore e) None

25. In the context of Financial Inclusion, the term USB refers to……. a) Urban Savings Bank account b) Ultra Small Branch c) Uniform Savings Bank account d) Unique e) None

26. Whether borrower has any option to go for………during the currency of the loan? a) Fixed Interest Rate to Floating Interest Rate b) Floating Interest Rate to Fixed Interest Rate c) a & b d) Continue with sanctioned terms & conditions only e) None

27. Cash in the currency chest is owned by…….. a) Currency Chest Branch Bank b) Central Government c) Reserve d) e) None of the above

28. Bank can’t proceed against the borrower under SARFAESI Act where… a) Security is agriculture land b) Liability is less than `1 lac c) Liability is less than 20% of the principal d) Pledge of movables e) All of the above

29. Statement which is not true with regard to disclosure norms to be made at the footnote of Balance sheet as per RBI guidelines. a) Movement of NPAs b) Large exposure – Deposit & advances c) Capital structure & Capital adequacy d) Industry wise exposure e) Market Risk in Trading Book

30. One Rupee currency note bears the signature of….. a) President of India b) Prime Minister of India c) Governor RBI d) Finance Minister of India e) Finance Secretary of India

31. A cheque is received by the branch for payment issued by one of the customers. Meanwhile a request is received by a public prosecutor informing that the person issued the cheque is imprisoned for criminal activity and directs the branch not to make payment of the said cheque. What is expected by the branch? a) Branch should not make the payment b) Branch should ask for court order regarding imprisonment of the customer c) Branch should insist written request from the public prosecutor d) Branch can make the payment.

32. With regard to lockers, which of the following guideline is not issued by the RBI? a) Branches are to link the allotment of lockers to placement of fixed deposits b) To ensure prompt payment of locker rent, branch are to obtain a Fixed Deposit which would cover 3 years rent and charges for breaking open the locker c) Branch Manager can allot the 1/3rd of vacant lockers d) Wait list of lockers need not be maintained

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33. Hybrid Security refers to…… a) Additional Security offered to a credit facility b) Security which has features of liquid and illiquid nature c) Credit facility which is covered by Credit Guarantee scheme d) Extending Credit Guarantee coverage to MSME loans (for the portion of residual balances) which are backed by securities partially e) None

34. As per the compensation policy with regard to collection of foreign cheques, bank shall pay compensation @ …….. to the customer if the delay is beyond 45 days. a) SB Interest b) Term Deposit Rate c) MCLR d) SB Interest + 0.75% e) None

35. Official Language Implementation Committee meetings are to be held once in.… a) Two months b) Three months c) Six months d) Twelve months e) None

36. In terms of direction of RBI & IBA on simplified procedure for settlement of claims preferred by the legal heirs of the deceased constituents, bank has to settle the death claims involving amount up to Rs……… a) `10000 b) `50000 c) `100000 d) `25000 e) None

37. Virtual Payment Address (VPA) pertains to a) RTGS b) NEFT c) IMPS d) Internet Banking e) Unified Payment Interface (UPI)

38. The existing NPA norm of 90 days is increased to 180 days to the credit facilities extended to……. a) CDR accounts b) Retail loans c) MSME loans with limits up to `25 crore d) Corporate loans e) None

39. Branches can negotiate bills drawn under LC for non-constituents, if a) LC is restricted to our bank only, subject to the condition that the Proceeds will be remitted to the regular banker of the beneficiary b) LC is not restricted and proceeds will be remitted to the beneficiary c) LC bearing the clause without recourse d) None

40. X depositor approached the branch with term deposit receipt of `2 lakhs which was due in the year 2008 and not interested for renewal of the matured deposit and requesting for payment of interest for overdue period. How do you act? a) No interest will be paid since the deposit is not renewed b) Term Deposit applicable interest at the time of maturity will be paid for the overdue period c) Interest rate at the time of maturity or at the time of renewal whichever is lower will be paid for overdue period d) SB interest will be paid for the overdue period

41. Which of the following Interest rates are still regulated by RBI? a) SB Deposits b) Commercial Loans c) DRI Loans d) b & c e) all

42. The scheme ….. launched to provide pension to the members of unorganized sector? a) PMSBY b) PMJBY c) Jeevan Dhara d) Jeevan Kalyan e) Atal Pension Yozana

43. The ceiling prescribed for lending to Agriculture Infrastructure (Cold Storage, Tissue culture, Bio fertilizer, Vermi culture etc.,) for the purpose of priority sector is a) `50 lakhs b) `100 lakhs c) `200 lakhs d) `300 lakhs e) None

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44. Right of Set-off refers to….. a) Marking of lien on Term deposit account of the borrower b) Freezing the credit balances in Savings Bank account c) Appropriation of credit balances in the eligible accounts to the loan accounts immediately towards interest/principal d) b & c e) None

45. Term Deposit of `500000/- in the name of individual with one year tenor is cancelled prematurely. The penalty for premature closure is…. a) 0.50% b) 1.00% c) 1.50% d) 2.00% e) No charges

46. “Jeevan Pramaan” relates to a) Life Insurance b) Health Insurance c) Housing facility d) Life Certificate e) None

47. The Banking Laws (Amendment) 2012 has facilitated the Public Sector Banks in increase of voting rights from…….to…….. a) 10% to 26% b) 5% to 26% c) 1% to 5% d) 1% to 10% e) None

48. The salient features of “Credit Delivery System” issued by RBI are a) Applicable to large borrowers availing credit facilities of `150 crore & above from the st banking system b) The minimum loan component should be 40% & 60% from 1 st October 2018 & 1 April 2019 respectively c) Undrawn portion of sanctioned working capital limits attracts a credit conversion factor at 0% d) a & b e) All

49. The Banking Ombudsman has now been empowered to pass an award up to …….. for the deficiency of services which include normal banking services, e-banking services and sale of third-party products. a) `10 lakh b) `20 lakh c) `30 lakh d) None of the above

50. Current Account is treated Inoperative/Dormant where there are no transactions in the account for the last ……. a) 6 months b) 12 months c) 18 months d) 24 months e) 36 months

51. Which of the following is treated as indirect finance to agriculture? a) Purchase and distribution of inputs for the allied activities such as cattle feed, poultry feed etc., with loan amount up to `100 lakh per borrower b) Loans for setting up of Agriclinics and Agri business centres c) Loans for construction and running of storage facilities d) a & b e) all

52. What is the standard provision on the assets other than SME, Agriculture and Commercial loans? a) 0.40% b) 0.25% c) 0.50% d) 1.00% e) Nil

53. A customer's cheque realized for `2 lakh is credited to his account by mistake as `2000/-. Subsequently cheque presented for `20000 returned unpaid by the bank. What is the responsibility of the banker? a) Bank to pay damages to the customer b) Not responsible c) Customer to ensure balance before issuing the cheque d) None of the above

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54. Which of the following statement is not correct with regard to RTGS? a) Meant for Two lakh & above remittances only b) Remittance should be through account transfer only c) Maximum charges should not be more than `50 per remittance d) Charges to be collected from the Beneficiary only

55. Power of Attorney was granted by a customer for a period of 12 months to X. The customer wants to revoke it after 6 months. What are the options available to the Branch? a) It should be revoked only after 12 months b) Yes he can revoke at any time c) Revoked with the consent of the power of attorney holder d) Yes he can revoke with the consent of the Banker e) None

56. Which of the following is not a “Money Market Instrument”?. a) Treasury Bills b) Commercial Paper (CP) c) Certificate of Deposits (CD) d) Fixed Deposit e) Equity Shares

57. RBI initiates Prompt Corrective Action against commercial banks where…. a) CRAR below 9% b) Net NPA above 10% c) ROA below 0.25% d) a & b e) All

58. All service/processing charges that are being levied by the banks for the services rendered to the customers/public attract GST @...... a) 5% b) 10% c) 15% d) 18% e) 28%

59. The minimum deposit required to open “PMJDY” Account is…. a) `5 b) `50 c) `100 d) `500 e) Zero Balance

60. Statement which is true with regard to nomination to Illiterate account. a) Can extend in favour of literate only b) Nomination facility is not available c) Consent from Nominee is required d) Witness is a must e) None

61. SARFAESI sale notice is to be issued to Debtor by Creditor within …….. days? a) 30 Days b) 60 Days c) 45 Days d) 90 Days e) None

62. The company has its registered office in Mumbai and its factory is at Kolkatta. The Company has availed credit facilities from banks branch in Hyderabad. The equitable mortgage of company's immovable property is to be created at a) Mumbai b) Kolkata c) Hyderabad d) Any notified place in India e) None

63. A cheque signed by the director as authorized signatory of a company is presented for payment but at the same time branch received information about the death of the director. Branch to a) Pay the cheque as he signed in fiduciary capacity b) Stop payment c) Pay the cheque on receipt of confirmation from the company d) None

64. The maximum cost of the project/unit admissible under PMEGP for manufacturing sector for up-gradation …… & for Business/Service sectors……. a) `15 lakhs & `10 lakhs b) `20 lakhs & `15 lakhs c) `25 lakhs & `15 lakhs d) `100 lakhs & `20 lakhs e) None

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65. Under Cheque Truncation System (CTS), the instrument deposited by the customer for collection remain with…….. a) Collecting Branch b) Service Branch of Collecting Branch c) Paying Branch d) Service Branch of Paying Branch e) Clearing House

66. In case where the instrument is obtained by unlawful means, the holder of the instrument will not get any title as per …….. a) Section 58 of NI Act b) Section 48 of NI Act c) Section 89 of NI Act d) Section 128 of NI Act e) None

67. Banking Ombudsman Scheme (BO) deals with the complaints received from the customers against……… a) Public Sector Banks b) Private Sector Banks c) Regional Rural Banks d) NBFCs e) All

68. The method of levying interest on agriculture advances is…. a) Monthly b) Quarterly c) Half-yearly d) Yearly e) None

69. Banks can sanction composite loan limit of ….. to MSME enterprises under single window. a) `25 lakhs b) `50 lakhs c) `100 lakhs d) `150 lakhs e) None

70. As per Liberalized Remittance Scheme (LRS), resident individuals may remit up to …… per financial year (April to March) for any permitted capital and current account transactions. a) One million US Dollors b) Two million US Dollors c) Three Million US Dollors d) 2.50 lakh US Dollors e) None

71. Family income criteria (per annum) for DRI loans in Rural & Urban areas. a) `18000/- & `24000/- b) `15000/- & `24000/- c) `18000/- & `36000/- d) `24000/- & `36000/- e) None

72. What is the floor limit (Min & Max) in case of CRR? a) 3% & 10% b) 3% & 15% c) 5% & 10% d) No limit e) None

73. Fiscal Policy refers to a) Balance of Payments b) Govt. taxes, expenditure and borrowings c) Govt. borrowings from Equity Market d) Sale and purchase of securities by RBI e) None

74. Subordinated debt instruments are to be limited to ….. of Tier I together with other components of Tier II should not exceeds …. of Tier I capital a) 100% & 50% b) 50% & 50% c) 50% & 100% d) No limit e) None

75. DICGC covers a) Credit balance in cash credit account b) Inter-bank deposits c) Deposits of central / state govts. d) a & b e) a, b & c

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76. As per recent guidelines on PMAY (Urban), the beneficiaries are eligible for interest subsidy under Credit Linked Subsidy Scheme (CLSS) provided the annual income of the borrower & carpet area of the proposed asset should be within… a) `18 lakh & 200 sq meters b) `12 lakh & 150 sq meters c) `5 lakh & 120 sq meters d) `10 lakh & 150 sq meters e) None

77. Under “Insolvency and Bankruptcy code”, the time frame fixed for insolvency resolution is 180 days, however it may be extended to…..days by the Adjudicating Authority in exceptional cases. a) 210 days b) 240 days c) 270 days d) 300 days e) None

78. Crossed cheque, presented over the counter through the authorized agent of collecting banker for his valued customer for cash payment. Will you pay? a) Bank can pay b) Payment can’t be made since it is a crossed cheque c) Payment can be made on cancellation of crossing duly signed by the drawer d) None

79. Proprietor of a firm executed Power of Attorney in favour of B. Cheque signed by Power of Attorney Holder is presented for payment after the death of the proprietor. Whether the bank need to honour the instrument? a) Yes b) No c) Will be paid with the consent of legal heirs of the deceased d) None

80. Banks are required to transfer “Unclaimed Deposits” every year to…. a) Govt. of India b) RBI c) Special Reserve Fund d) Depositor Education and Awareness Fund (DEAF) e) None

81. Banks to maintain SLR as per….. a) Section 24 of BR Act b) Section 42 of BR Act c) Section 42(1) of RBI Act d) Section 24 of RBI Act e) None

82. What is the maximum interest rate that banks can pay to FCNR (B) deposits placed for four years? a) Discretion of the Bank b) As applicable to domestic term deposit rates c) LIBOR/SWAP + 200 basis points d) LIBOR/SWAP + 300 basis points e) None

83. The role of Bank Mitra Facilitator (BMF) is to… a) Monitor the functioning of BCs / Bank Mitras operating in a district b) Act as a facilitator between Bank officials and BC/Bank Mitra Networks c) Report the technical / operational issues of BC/Bank Mitras to Bank d) a & b e) All

84. Floating Provisions can be added to Tier-II capital up to …….% of RWA a) 1% b) 1.25% c) 1.50% d) 1.75% e) None

85. What is the maximum loan amount to EWS & LIG under ISHUP scheme? a) `1 lakh & `1.60 lakh b) `0.50 lakh & `1 lakh c) `1 lakh & `2 lakh d) No limits e) None

86. In case where counterfeit note is found at the branch, FIR is to be filed by a) Remitter b) Cashier c) Beneficiary whose account the amount is to be credited d) Bank Branch where no. of notes exceeds 4 in a single transaction e) None

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87. Relationship between Customer & Banker in case of Safe custody of articles a) Lessor&Lessee b) Prinicpal&Agent c) Bailor&Bailee d) Assignor&Assingee e) None

88. Which of the following is not a Operational Risk? a) People Risk b) Technology Risk c) System Risk d) Liquidity risk e) None

89. Truncated Cheque means a) Shared Clearing b) Cheques presented will be processed by the depositing branch itself c) Physical movement of instruments from branch to clearing house d) Movement of electronic image instead of physical movement of instruments e) None

90. Provision on Standard Advances to be shown under …… head of Balance sheet. a) Advances & Other Assets b) Provisions & Other Assets c) Liabilities d) Provisions & Other Liabilities e) None

91. If a customer expired without leaving a will and the court appoints a person to handle the properties is called as a) Administrator b) Liquidator c) Authorized Officer d) Successor e) None

92. What is the maximum loan amount that can be given under Small Manufacturing Units under MSME? a) `100 lakh b) `200 lakh c) `300 lakh d) `500 lakh e) No limit

93. Banks are focusing attention on Retail Banking since it facilitates a) Improved NIM b) Stable Business growth c) Diversified Risk d) a & b e) All

94. What is the age criterion for individuals to open New Pension System (NPS)? a) No age limit b) 10 to 60 years c) 18 to 65 years d) above 60 years e) None

95. Innovative Perpetual Debt Instrument should not exceed …. of Tier-I Capital and the investments by FIIs should not exceed …. a) 10% & 49% b) 15% & 55% c) 15% & 49% d) 20% & 49% e) None

96. “Cash Recyclers/BNA” undertakes value added services such as……. a) Cash withdrawal b) Cash Deposit c) Cheque Deposit d) a & b e) None

97. A customer approached with Fixed Deposit of other Bank with a value of `5.50 lakh (including accrued interest) and due for payment in next 24 months and requested for a loan against the deposit. As Branch Manager, how you deal with it? a) Allow loan up to 75% value of the deposit b) Allow loan up to 80% value of the deposit c) Allow loan only on receipt of confirmation from other Bank having noted the lien d) No loan can be allowed against other bank deposits e) None

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98. As per AML norms, banks are required to preserve records…… a) 3 years from the date of cessation of transaction b) 5 years from the date of cessation of transaction c) 10 years from the date of transaction between the bank and client d) No time limit

99. Interest subsidy/subvention is available to eligible Educational Loan Borrowers for a period of….. a) First one Year b) First Two Years c) During Study Period d) Till closure of the loan e) None

100. What is the maximum loan and repayment period is allowed for farmers to avail loans against pledge of agricultural produce? a) `5 lakhs & 6 months b) `25 lakhs & 12 months c) `50 lakhs & 12 months d) No limit on amount but should be repaid within 12 months e) None

101. A customer with a bearer cheque came for withdrawing the amount of cheque for `4000/-. The counter clerk expressed that the amount is not sufficient to pass the cheque as the balance is short by `700/-. The bearer of the cheque deposited `700/- and withdrawn the amount. Further account holder objected for revealing the balance in the account. In such a situation what is his liability? a) It is the responsibility of the customer to maintain sufficient balance in the account while issuing cheque and hence bank is not liable b) Anybody can deposit in any account and bank has no right to stop such credits c) Bank paid the cheque amount to the bearer since the instrument is in order d) Bank is not in order in disclosing the account balance to the bearer of the instrument and hence liable for damages e) None

102. LC states ‘about’ in case of amount, what does it indicate? a) 5% b) 10% c) 20% d) 25% e) None

103. Which statement is true with regard to unspent foreign currency on return to India? a) Retain any amount of foreign currency b) Returned to AD within 90 days c) Allowed to retain $5000 US Dollars d) Need to return unspent foreign currency within 180 days, if the amount exceeds $2000 US Dollars e) None of the above

104. The minimum education qualification stipulated for the borrower (new enterprise) availing credit limit of `15 lakhs under PMEGP.

th th a) Intermediate (10+2) b) 10 Standard c) 8 Class d) None

105. Interest rate on Savings Bank Deposits is ………. a) Regulated b) Deregulated c) Partially regulated d) Linked to Repo Rate e) None of the above

106. As per RBI guidelines, the exposure norms for Single and Group borrowers including infrastructure projects are stipulated at …… & …… of Bank’s Capital Funds respectively a) 10% & 20% b) 15% & 40% c) 20% and 50% d) 20% & 40% e) None

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107. Which are the following interest rates decided by the Banks? a) Repo Rate b) Bank Rate c) MCLR d) SB Rate e) c & d

108. As per AML/KYC norms, review of accounts, customer identification of data is to be updated once in … years & …years for Low Risk and High Risk Category accounts. a) 2 Years & 1 Year b) Once in two years c) 10 yr & 2 yr d) 8 yr & 2 yr e) None

109. Joint account operated “Either or Survivor”, the number of nominees can be a) Joint depositors are allowed to nominate one each b) Only one nominee is allowed c) No nomination facility is available for Joint Accounts d) None

110. Under Education Loan scheme, interest subvention is provided to the students who pursue overseas studies and belongs to ……... category and whose family annual income does not exceed `3 lakh. a) SC b) OBC c) EBC d) All e) None

111. Crop loan treated as NPA if the loan amount remains unrecovered for …… a) One Crop Season b) Two Crop Seasons c) One Crop Season + 90 days d) Existing NPA norms that are applicable for Term Loans e) None

112. For appealing to DRT, the borrower is required to deposit minimum…… a) 25% of suit amount b) 10% of suit amount c) 15% of suit amount d) No deposit required e) None

113. Women granted a loan of `80 lakhs under CGTMSE, what is the amount of claim in case of default? a) `40 lakhs b) `52.50 lakhs c) `60 lakhs d) `64 lakhs e) None

114. PMJDY account holders are eligible to avail OD facility up to …….. & accidental insurance coverage up to ….. lakh for new Rupay cardholders. a) `10000 & `2 lakh b) `5000 & `1 lakh c) `5000 & `2 lakh d) `5000 & `5 lakh e) None

115. As per RBI guidelines, Branch to issue …………to SB account holders. a) Pass Book b) Account Statement c) a & b d) None

116. Post dated cheque presented in clearing paid by the bank and at the same time another cheque presented was returned as there is no sufficient balance in the account. Customer claimed for damages. What is the liability of the bank? a) Bank can make payment, if the instrument is otherwise in order b) Bank is not in order in making payment c) It is the responsibility of the depositor to mention correct date on the cheque d) Issuing cheque without adequate balance is the responsibility of the customer and hence banker is not liable e) None

117. Banks are required to maintain SLR @...... of NDTL. a) 22% b) 19.50% c) 19.25% d) 25% e) None

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118. The minimum CRR should be …… maintained on daily basis. a) 50% of eligible CRR b) 90% of eligible CRR c) 80% of eligible CRR d) 100% of eligible CRR e) None

119. In case of Bank deposits, Nominee obtains payment in the capacity of… a) Owner b) Beneficiary c) Agent d) Trustee e) None

120. Staff should present in the branch 15 minutes before commencement of business hours, this is applicable to a) All Branches b) Rural Branches only c) Urban & Metro Branches d) No such stipulation e) None

121. Once the guarantor repays the loan, he attains the status of …… a) Debtor b) Creditor c) Agent d) Right of subrogation e) None

122. When account is transferred from one branch to another branch of the same bank, the account holder is required to submit again a) Address proof b) Identity proof c) Declaration of local address for communication d) a & b e) None of the above

123. Banks obtain photograph at the time of opening of the account with a view to a) Avoid benami accounts b) Verify the identity of the customer c) Verify with police records d) a & b e) a to c

124. Service charge rates are to be displayed by the bank on… a) Bank’s own Website b) RBI Website c) Branch Premises d) IBA Website e) a to c

125. The form SDF is used for exports where a) Custom office is not computerized b) Custom office is computerized c) Software d) Sent by Post e) None of the above

126. Banks to submit Wilful Defaulters list to… a) RBI with all accounts irrespective of liability b) TransUnion CIBIL Limited c) RBI where the liability is `25 lacs & above d) Banking Division, New Delhi e) None

127. Banks are required to submit CTR (Cash Transaction Report) to ------within ----- of succeeding month. a) FIU, 30 days b) FIU, 15 days c) FIU, 7 days d) RBI, 7 days e) RBI, 15 days

128. Annual premium payable on Deposit insurance on every `100 is a) 10 paise b) 5 paise c) 25 paise d) 50 paise e) None

129. “Floating charge” is a charge created on a) Immovable Assets b) Movable Assets c) Assignment d) Deposits e) Assets created out of Bank finance

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130. Who is not eligible to convert general crossing to special crossing? a) Holder b) Drawer c) Payee d) a & b e) None of the above

131. Bank can create assignment on…. a) Book Debts b) Stocks c) Land & building d) Deposits e) Immovable

132. Banks are mandated to preserve old records as per…. a) BR Act b) RBI Act c) Indian Contract Act d) NI Act e) Evidence Act

133. The deposit schemes (interest) which are exempted from TDS are… a) Fixed b) Savings c) NRE/FCNR d) Recurring e) b & c

134. Which statement is not correct with regard to advances against shares? a) Maximum loan allowed is `10 lacs against physical shares b) Maximum loan allowed is `20 lacs against demat shares c) Margin requirement is 50% for physical shares & demat shares d) None of the above

135. Garnishee order is not applicable to…. a) Credit balance in SB b) Credit balance in CD c) Credit balance in Cash Credit account d) Term Deposits in the Joint names e) None of the above

136. As per RBI guidelines, banks need to register the charge over the property with CERSAI within ……. days from the date of creation of charge. a) 15 days b) 30 days c) 60 days d) 90 days e) None

137. Public Sector Bank (PSB) not received capital from GoI since last 5 years? a) b) c) Punjab & Sind Bank d) e) None

138. RBI injects liquidity through…. a) Increase Bank Rate b) Reduction of Repo Rate c) Reduction of Reverse Repo d) Increase CRR e) Increase SLR

139. Provisioning norms are not applicable to loans sanctioned to a) Agriculture b) Exports c) DRI d) Govt. Sponsored Schemes e) Against Deposits

140. Banks are required to maintain minimum capital adequacy at ….. a) 12% b) 11.5% c) 11% d) 10% e) 9%

141. Fixed Deposit is maturing on Sunday. It shall be deemed to be payable on a) Monday b) Immediate succeeding working day c) Preceding Day i.e. Saturday d) a & b e) None of the above

142. What is the tag line of “PMJDY”? a) Mera Khatha Bhagya vidhata b) Khatha Kholo Paisa Bachao c) Hamara Katha Bhagya Vidhata d) Hamara Katha Hamara Swabhiman

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143. Exporter avail pre-shipment credit at the request of the issuing bank on the basis of a) Green Clause Credit LC b) Revocable LC c) Red Clause LC d) Back to Back LC

144. Inter-Creditor Agreement (ICA) is aimed to bind all lenders to a majority (66% of lenders by value) approved resolution plan and a dissenting creditor can exit by selling his share at a …… discount of liquidation value or resolution value, whichever is lower. a) 5% b) 10% c) 15% d) 25% e) None

145. Clayton’s rule applies to a) Deposit Accounts b) Demand Loans c) Term Loans d) Overdrafts / Cash credits e) None of the above

146. What percentage of DRI advances should go to Rural/Semi Urban Branches? a) 50% b) 25% c) 66.66% d) 75% e) None of the above

147. AEPS denotes…. a) ATM Enabled Payment System b) Anywhere Everywhere Payment System c) Aadhar Enabled Payment System d) Aadhar Enabled Protocol System e) None

148. Which of the following statements are not correct with regard to MSME? a) Investments in Plant & Machinery is to be taken as criteria for Manufacturing Enterprises b) Investment in Equipment is to be taken as criteria for Service Enterprises c) No collateral security or third party guarantee is required for loans up to `5 lakhs d) No collateral security or third party guarantee is required for loans up to `25 lakhs in case of Tiny Sector e) None of the above

149. UCPD guidelines are issued by a) FEDAI b) RBI c) Ministry of Finance d) IBA e) ICC Paris

150. Your customer requested to include his wife and daughter as nominees after one year of opening of the account. Will it be accepted? a) It can be accepted since the nominees are the family members of the depositor b) Cannot be considered since the request is not received at the time of opening of account c) Can be considered with 50% share each d) Nomination should be made only in favour of single name. Hence can’t be considered e) None of the above

151. What is the relationship between the Bank and Overdraft Customer where the account is showing credit balance? a) Creditor & Debtor b) Principle & Agent c) Trustee & Beneficiary d) Debtor & Creditor e) None of the above

152. What is the maximum period for which FCNR deposit can be opened? a) One Year b) Two Years c) Three Years d) Five Years e) Ten Years

153. Which of the following can’t be a nominee? a) Illiterate Person b) Minor c) NRI d) HUF e) None of the above

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154. In case of dishonor of Cheque/ECS (Debit) mandate, wherever the payee/beneficiary approaches court of law for remedy under NI Act (Amendment) Bill 2018, court is advised to direct the drawer of the Cheqe/ECS (Debit) mandate to deposit …….% of the value, as interim compensation till disposal of the case. a) 10% b) 20% c) 50% d) 75% e) 100%

155. Bank has right to cancel the allotment of locker, if the customer does not operate or surrender within ………. despite notice sent to the locker holder. a) Three Years b) Five Years c) Ten Years d) Banks discretion e) None

156. Banks can grant loans against a) LIC Policy b) Fixed Deposits of other banks c) Mutual Funds d) Certificate of Deposit (CD) e) All

157. National Payment Corporation of India (NCPI) has setup payment network to enable the member banks to issue Domestic Payment Cards with a brand………… a) Visa Card b) Master Card c) Prepaid Card d) Rupay e) Travel Card

158. Permanent Account Number (PAN) is mandatory for…… a) Bank transactions (cash) of `50000/- & above b) Purchase and sale of shares / debentures / bonds of `50000/- & above c) Purchase and sale of immovable property where the value of the property is `5 lakh & above d) a & c e) All

159. High Debt Service Coverage Ratio (DSCR) indicates….. a) Unable to meet the installment obligations b) Able to meet payment of installments comfortably c) Liquidity problem d) a & c e) None of the above

160. X Company approached the Bank for sanction of working capital limit of `800 lakhs with Current Ratio of 1.15:1. What is the course available to the branch? a) Proposal can be considered as the current ratio is acceptable b) Proposal can be declined since current ratio is below 1.33:1 c) Advise the company to increase capital to bring the current ratio to 1.33:1 d) Proposal is to be referred to next Higher Authority for sanction e) None of the above.

161. Which of the statement is not true with regard to Capital Gains Deposit Scheme? a) Income Tax Assesses who are eligible for exemption under section 54 of the IT Act are alone can open account with Banks b) Accounts can be opened under Savings, Fixed and Term Deposits c) Cheque book can be issued to eligible accounts. d) No lien or deposit loan is allowed against such deposits e) None of the above

162. Statement not correct with regard to Tax Saver Scheme? a) Tax exemption for the deposit amount under section 80C of IT Act b) Tenor of the deposit up to 5 Years c) TDS is applicable, if interest payment is above `10000/- in a financial year d) Maximum amount of deposit allowed is `5 lakhs e) c & d

163. A fall in Quick Ratio in comparison with Current Ratio indicates a) High Inventory Holdings b) Low Inventory Holdings c) Decrease in Current Liabilities d) None of the above

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164. Financial statements includes a) Balance Sheet b) P & L c) Cash & Funds Flow d) a & b e) a, b & c

165. Banks are permitted to take over borrowal accounts from other Banks & Financial institutions provided a) Account should be Standard Asset with positive net worth b) Copy of the borrowal account for preceding 12 months is to be obtained c) P&C report is to be obtained from other bank before disbursement d) Branch to take approval from next sanctioning authority e) All above

166. The guidelines on extending Adhoc Limits to the borrowers are a) Allowed in fund and non-fund based limits b) Can be allowed maximum of 3 times during the validity of limit and the maximum period allowed is 3 months for each adhoc limit c) Adhoc Limit can be allowed up to 20% of the sanctioned working capital limits to all eligible borrowers d) a & b e) b, c & d

167. Which of the following statement not true with regard to Temporary Overdrafts? a) Can be allowed in Savings Bank Account b) Can be allowed in Current Deposit Account c) Can be allowed only 3 times in a account in a year d) Should not be allowed in staff accounts e) None of the above

168. Which statement is not true with regard to DRT/DRAT? a) Minimum monetary ceiling to file case against the borrower is `10 lakh b) The outstanding liability in the loan account should be `20 lakh & above c) Minimum 25% of suit amount to be deposited by the borrower to prefer appeal DRAT d) 39 DRTs and 5 DRATs are functioning across the country e) None

169. A contract entered between and exporter and importer to exchange foreign currency flows is known as a) SWAP b) Arbitrage c) Forward Contract d) Futures e) None

170. Money Transfer Service Scheme (MTSS) is meant for a) Transfer of funds from abroad to India towards family maintenance b) Remittances favouring foreign tourists visiting India c) Outward remittances from India to abroad d) a & b e) None

171. Unsecured exposure is one where realizable value of tangible security is not more than ……. of the outstanding exposure. a) 5% b) 10% c) 25% d) 40% e) None

172. RBI extending incentives to Banks for the following services. a) Adjudication of Mutilated Bank Notes b) Exchange of Soiled Notes c) Distribution of Coins over the counter d) Establishment of Coin vending Machines e) All above

173. Shadow Banking refers to…. a) Money Lenders b) Urban Co-operative Banks c) Payment Banks d) Small Finance Banks e) NBFCs

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174. Capital Adequacy is worked out based on…. a) Total Demand & Time Liabilities b) Net Demand & Time Assets c) Risk weighted assets d) Risk weighted liabilities e) None

175. All existing schemes for restructure of debts such as ……are withdrawn in Feb 2018. a) CDR b) SDR c) S4A d) Joint Lending Agreement e) All

176. Under LRS, NRI can remit money abroad from his NRO account, up to …………… a) One Million US Dollar Per Year b) US Dollar of Two Million Per Year c) US Dollar of 5000 per year without any declaration or certificate d) US Dollar of One Million per year on the basis of undertaking and certificate e) None of these

177. Branch sanctioned OCC limit of `10 lakhs against hypothecation of stocks worth `15 lakhs with 30% margin. What would be the notional drawing power when the present value of stocks is `20 lakhs? a) `10 lakhs b) `14 lakhs c) `20 lakhs d) `10.50 lakhs e) None

178. Documents which do not attract stamp duty? a) Promissory Note b) Mandate c) Power of Attorney d) Form-A e) None

179. Short term sources are greater than short term uses indicates…. a) Low Current Ratio b) High Debt Equity Ratio c) Higher Current Ratio d) Low Debt Equity Ratio e) None

180. What would be the applicable interest rate payable for the overdue period to the legal heirs of the deceased on matured Term deposit, if not renewed? a) SB Interest Rate b) Contracted Interest rate of matured deposit c) Simple interest applicable to FD for the period remained with bank after maturity d) Applicable FD interest will be paid if renewed for further period e) No interest

181. All cash transactions of above…… require stamped receipt. a) `100/- b) `500/- c) `1000/- d) `2000/- e) `5000/-

182. The net of Exports & Imports and the services including foreign inward remittances forms part of……… a) Balance of Payments b) Capital Account c) Current Account d) Trade Surplus e) Invisibles

183. Banks are empowered to take possession of securities (other than rural properties) under provisions of……………Act, when the borrower fails to repay the loan as per the agreement. a) Indian Contract Act b) Revenue Recovery Act c) DRT Act d) SARFAESI Act e) Banking Regulation Act

184. What is the net interest rate (Interest Rate minus Interest Subvention) applicable for short term agriculture production loans (Crop Loans) up to `3 lacs? a) MCLR b) Base Rate – 1% c) 10% d) 8% e) 7%

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185. MCLR of the Banks is fixed by…. a) Indian Banks Association b) c) Planning Department of the Bank d) Asset Liability Committee (ALCO) e) Discretion of the Bank

186. While renewing the credit limits of the company, it is found that the Debt Equity Ratio is 3 compared to that of 2.5 in the previous year. It indicates a) Increase of Profit enabled the Company to add to Reserves b) Decrease of Debt Burden on the Company c) Adverse Impact on Profit on account of increased interest burden d) None of the above

187. Which of the following organizations provide credit history of the borrowers. a) Reserve Bank of India b) National Payment Corporation of India c) Indian Banks Association d) CIBIL e) None

188. Banks can issue draft against accepting cash up to a) `50000/- b) `20000/- c) `100000/- d) `49999/- e) Any amount

189. Banks should not entertain credit proposal where the Equifax score is below a) 800 b) 750 c) 670 d) 550 e) None

190. As per RBI guidelines, Business Correspondents undertake the following activities a) Small value receipts & payments of the same bank to whom they are appointed b) Account opening c) Small value receipts & payments of other banks d) a & b e) a, b & c

191. What is the insurance coverage available to the borrowers for natural death and death due to accident under SGSY scheme? a) `6000 & `12000 b) `5000 & `10000 c) `6000/- only d) `10000/- e) None

192. Interest income on NRO Term deposit attracts TDS @ ….. where PAN is furnished. a) 10% b) 20% c) 30% d) 10.30% e) 30.90%

193. MCLR which mainly focus on……. a) Marginal cost of funds b) Average cost of funds c) Average return on Networth d) Both Marginal as well as average cost e) None of the above

194. Branches should keep the PMEGP backend received in ……… and should be adjusted to the loan account only after completion of ……… months. a) Fixed Deposit & 36 months b) Savings Deposit & 36 months c) Savings Deposit & 24 months d) Fixed Deposit & 24 months e) None

195. Garnishee order issued by… and the customer and bank relation_____to it. a) Income Tax Authorities & Debtor and Creditor b) Police & Debtor and Creditor c) Court & Judgment Debtor and Judgment Creditor d) Court & Judgment Creditor and Judgment Debtor e) None

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196. Which agency is enabling the transfer of subsides directly to beneficiary accounts through Enabled Payment Bridge (AEPB)? a) RBI b) SEBI c) IDRBT d) NPCI e) SBI

197. Call Money Market interest are linked to…. a) Bank Rate b) Repo Rate c) Reverse Repo Rate d) Market forces e) None

198. Under “Interest Equalisation Scheme”, Banks are advised to pass on the interest upfront @....% p.a. to all the eligible exporters availing credit facilities under Rupee Export Credit (Pre and Post Shipment). a) 7% b) 5% c) 3% d) 2% e) None

199. Firm X and Y are having accounts with Bank and the both the firms are represented by A, B and C as partners. Firm X showing a debit balance of 2.20 lakh and there is a credit balance of 3 lakh in Firm Y. Bank adjusted the debit balance of X account with available balance in Y account. a) Branch can exercise right of set-off b) Right of set-off can’t be exercised as the accounts are different c) Right of set-off can be exercised by issuing a notice d) None

200. Transaction Password relates to…… a) Core Banking b) ATM operations c) Internet Banking d) Tele banking e) None

201. Nomination in respect of the following is to be witnessed by two persons. a) All deposit accounts b) Deposit accounts where the nominee is a minor c) Physically challenged accounts d) Thumb impression accounts (illiterate) e) None

202. “Actionable Claims” deals with…. a) Debt b) Receivables c) Subsidy or Duty Draw Back d) a & b e) all

203. ………. denotes modifications of the contents of the Negotiable Instrument. a) Forgery b) Fraud c) Material alteration d) Suppression of facts e) None

204. Loans to repairs to dwelling units up to ……. lakh is treated as priority sector. a) `1 lakh for Rural/Semi urban & `2 lakh for Urban/Metro centres b) `2 lakh for Rural/Semi urban & `5 lakh for Urban/Metro centres c) `2 lakh at all places d) Not more than 10% cost of the dwelling unit e) None

205. Housing Loan of `80 lakh where the LTV is below 75%, it attracts Risk weight @ a) 75% b) 100% c) 125% d) 150% e) 175%

206. A cheque was issued for `8000/- leaving blank space both at figures and words column, and the bearer of cheque made it `80000/- and withdrew amount. Customer made a claim for `72000/- against the bank. a) Bank to reimburse the amount since the cheque was issued for `8000/-only b) Customer is liable since he is negligent having left blank space at figures and words column c) Bank and Customer equally responsible d) Bank to file case against the bearer for making alternations of cheque e) None

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207. Banks can undertake insurance business only after obtaining permission from…. a) RBI b) LIC c) Central Government d) SEBI e) IRDA

208. Which of the following is part of Tier-I capital? a) Cumulative Perpetual Preferential Shares (CPPS) b) Subordinate Debt c) a & b d) Perpetual Non-cumulative Preferential Shares (PNCPS) e) Revaluation Reserves

209. Exercise of nomination by the depositor is…. a) Optional to the depositor b) Mandatory in case of single named accounts c) Mandatory in case of joint accounts d) Mandatory for locker accounts e) None

210. Which of the following is exempted from NPA provisioning? a) Loans against Deposits b) Loans guaranteed by State Govt. c) Loans guaranteed by Central Govt. d) Loans against NSCs e) Loans against Govt. Securities

211. In case of deceased borrower, the legal heir’s liability is a) Limited to the extent of property inherited b) Not liable at all c) Unlimited and unconditional d) 50% of liability e) None

212. X introduced for opening the account of Y. What is the responsibility of X in case of fraud committed by Y? a) To be reimbursed fully b) No responsibility c) 50% of loss d) Assist the bank in identifying the account holder e) None

213. Under ‘Whistle Blower’ the information can be directly submitted to a) Board b) Audit Committee of the Board c) Management Committee d) Chief Vigilance Officer (CVO) e) Reserve Bank of India

214. The maximum loan can be sanctioned under DRI (including Housing) a) `12500/- b) `25000/- c) `15000/- d) `20000/- for SC/ST e) c & d

215. Applications of all closed accounts are required to be preserved for a minimum period of ……from the date of closure of the accounts. a) 3 years b) 5 years c) 10 years d) Permanent e) None

216. Foreign tourist who visits India can hold US dollars (currency) maximum of a) $1000 b) $2000 c) $3000 d) $5000 e) None

217. Why Banks prefer to reverse the contra entry immediately on expiry of Bank Guarantees? a) To avert claim from beneficiary b) To avert maintenance of CRAR c) To avert provisioning d) To improve profit e) None

218. Prepayment charges are exempted for a) Housing Loans b) Education Loans c) Agr. Loans d) Corporate Loans e) a, b & c

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219. IFSC code consists of …….. digits. a) 9 b) 10 c) 11 d) 15 e) None

220. Loans sanctioned to………, are exempted from exposure ceilings. a) Priority Sector b) Export c) State/Central Government d) Real Estate e) None

221. Right of General Lien can be exercised on…. a) Securities outstanding in the name of the borrower b) Existing and Future liabilities c) Future liabilities only d) a & b e) None

222. PAISA (Portal for Affordable Credit and Interest Subvention Access) is meant for a) Export Credit b) DAY-NULM loans c) MSME loans d) Housing loans e) Education loans

223. Payment of FD beyond `20000/- in cash is violation of IT rules and attracts…. a) Penalty & Imprisonment b) Penalty – Double the amount c) Penalty – Not more than deposit amount d) No penalty

224. On receipt of possession notice (SARFASEI) issued by the Bank, if the borrower raises objection, the same should be replied within…… a) 7 days b) 10 days c) 15 days d) 30 days e) None

225. Can a Private Limited company join as a partner in a partnership firm? a) Yes b) No c) Yes with limited liability d) None

226. What is the limitation period for public to approach Consumer forum for redressal of their grievances against Bank? a) No limitation period b) One year from cause of action c) Two years from cause of action d) Ten Years from cause of action e) None

227. When can the bank adjust the PMEGP subsidy to loan account? a) At the request of the borrower before closure of the account b) After 3 years provided if there are no recoveries in the account c) Discretion of the Bank d) A & B e) None

228. Account opened in the name of A&B jointly and nomination is given in favour of ‘C’ . Branch received request from the nominee for payment of deposit as ‘A’ expired. What is the course of action? a) 50% of deposit can be paid to the nominee b) Nominee has no right since other joint depositor is alive c) Amount will be paid to nominee with the consent of legal heirs of ‘A’ d) Nomination facility is not available to Joint accounts e) None

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229. Cheque signed by the drawer as “R N Das” instead full signature and paid in due course. Drawer demands for return the amount as signature differs. a) Bank is liable to pay the amount to the customer since the payment made is not in due course as signature on the cheque differs from specimen signature on record. b) Bank is not liable on the ground that the amount was paid to the customer and the contention of the customer is not tenable since it is not a forgery c) Bank to share 50% of the amount since there is negligence on the part of the official passed the cheque d) None of the above

230. What is the discount for inclusion of Subordinate Debt under Tier-II capital where the Sub-Ordinate Debt maturity is less than18 months? a) 50% b) 60% c) 70% d) 80% e) None

231. As per recent guidelines, Interest subvention benefit is extended to….. a) Crop loans b) Education & Housing loans c) Kisan Sampathi (loans against negotiable warehouse receipts) d) a & b e) All

232. To avert fraudulent encashment of cheques presented for collection, branches are required to….. a) Present in clearing immediately b) Introduce Drop Box c) Affix the Special Crossing Stamp immediately on receipt of instrument d) None

233. Loans for Commercial Real Estate include………………. a) Plantations b) Housing c) Special Economic Zones d) Construction of Malls e) Hotels & Restaurants

234. What is the time limit to furnish the requested information under Right to Information Act (RTI) and what is the penalty for non-compliance of the said norm? a) 30 days & `100 per day b) 60 days & `100 per day c) 30 days & `250 per day maximum of `25000/- d) 60 days & `250 per day e) None

235. Received request from your borrower for a loan of `300 lakhs for purchase of equipment @ 12% interest repayable in 60 months. The estimated Net Profit and depreciation is `100 and `20 lakhs respectively. What is the DSCR? a) 1.20 b) 1.30 c) 1.50 d) 1.62 e) 1.75

236. Real Estate Investment Trusts (REITs) are regulated by……. a) Ministry of Finance b) RBI c) IRDA d) SEBI e) b & d

237. The primary business of ARCs is to buy stressed assets from a) Banks b) Banks and sell it to others for profit c) Banks at discount and share the recoveries with the banks d) Act as Recovery Agent for the Banks e) None

238. Loans to food and agro-based processing units with investments in plant and machinery up to ……… is treated as priority sector advance. a) `1 crore b) `5 crore c) `10 crore d) `50 crore e) None

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239. The documents to be insisted from a NRI for opening of an account are a) Copies of Passport and VISA b) Local and Overseas addresses c) Compliance of KYC norms d) Latest Passport size photographs e) All of the above

240. After taking possession of the immovable property, copy of the possession notice is to be published in two local newspaper not later than ----- days. a) 7 days b) 15 days c) 30 days d) 60 days e) None

241. As per recent guidelines, for merchants whose turnover is up to `20 lakh, the cap on Merchant Discount Rate (MDR) is revised as ………percent of transaction value with st maximum of ……. With effective from 1 January 2018 a) 1% & `1000/- b) 0.75% & `750/- c) 0.50% & `500/- d) 0.40% & `300/- e) 0.30% & `200/-

242. Commission on receipts (physical) relating to Govt. Business a) `25 per transaction b) `30 per transaction c) `50 per transaction d) `60 per transaction e) 0.50% of the transaction or 45 whichever is higher

243. Minimum and Maximum period of Certificate of Deposits is…. a) 15 days&1 year b) 30 days&1 year c) 7 days&1 year d) 7 days & no limit e) None

244. Customer not kept Cheque book under lock and key and one cheque leaf was stolen. Bank made payment of the said cheque which was forged. a) Customer is liable since he is negligent b) Bank is not liable as the cheque was stolen c) Bank is liable since the payment is made on forged signature d) None

245. Loans not exempted from Base Rate/MCLR Purview? a) Consortium Advance b) Deposit Loans c) Export Credit d) Staff Loans e) None

246. Under UCP 600, bank can accept/reject documents within maximum of --- days. a) 5 Banking days b) 7 days c) 10 days d) 15 days e) None

247. Bank which is not subjected to Prompt Corrective Action (PCA) framework announced by RBI. a) Bank of Maharastra b) CBI c) d) IOB e)

248. Visually challenged persons are allowed to avail the following banking facilities? a) Cheque Book b) Debit Card c) ATM Card d) Locker e) All

249. Customer Service Standing Committee Meeting does not cover ….. a) Customer Grievances b) Staff matters c) Credit d) New Products e) B,C & D

250. In case of payment of Fake DD, who has to lodge complaint with police, when it is identified as fake upon presentation as per IBA guidelines? a) Issuing Bank b) Collecting Bank c) Purchaser of the Draft d) Beneficiary e) Paying Bank

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251. When Current Liabilities are more than Current Assets …. a) Interest burden is less b) Company can meet its obligations c) Company may not meet its obligations d) Increased Networth e) None

252. Why ‘A/c Payee’ cheques are to be credited the payee’s account only. a) To get protection under section 131 of NI Act b) To comply KYC guidelines c) To comply RBI guidelines d) To avert fraudulent conversions e) C & D

253. Maximum gestation period that can be allowed to Housing loans where the loan is sanctioned for purchase of Plot & Construction of house there on. a) 36 months b) 30 months c) 24 months d) 18 months e) 12 months

254. In case of “Paripasu” what charge the subsequent creditor enjoys? a) Equal charge b) First charge c) No charge d) Second charge e) None

255. Find Current Ratio where Current Assets `48 lakh, Networking Capital `12 lakh. a) 1.20 b) 1.10 c) 1.33 d) 1.45 e) None

st 256. Mr Sandeep left India on 1 August 2003 for taking up employment in a software company in USA. In this context, which of the following statement is true?

st a) Treat as NRI from 1 August 2003 onwards b) Treat as a Resident c) Continue the account as a resident account d) All the above e) (a) and (b) are correct

257. X & Y opened SB account operated by “Either or Survivor” and exercised nomination in favor of “Z”. Who is empowered to modify or cancel the nomination? a) X b) Y c) Z d) Jointly with the consent of Z e) None

258. What is the Annual Guarantee Fee (CGTMSE) payable for accounts with credit limits of `5 lakh (outstanding balance of `4.25 lakh) to women for the units located in North Eastern region? a) 0.75% of the loan b) 0.85% of outstanding liability c) 1.25% + Risk Premium d) 1.50% + Risk Premium e) 1.00% of outstanding liability + Risk Premium

259. Break Even Point means a) Sales equal to Fixed Costs b) Sale proceeds matches to Variable Costs c) The sale proceeds will take care of fixed as well as variable costs d) Sales equal to Fixed costs + Variable costs + Minimum profit e) None

260. Housing Loan up to ……… is treated as Priority Sector. a) `10 lakh b) `15 lakh c) `35 lakh in Metro with population above 10 lakh & `25 lakh in other centres irrespective of overall cost d) `25 lakh at all places e) `35 lakh in Metro with population above 10 lakh & `25 lakh provided the overall cost does not exceed `45 lakhs & `35 lakhs respectively.

261. Nominee can exercise his right a) During the tenure of deposit b) On maturity of deposit c) Any time since he will be treated as joint depositor d) He has no right on deposit since it is in the name of the depositor e) On the death of the depositor

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262. Name the Bank/s identified as Domestic Systemically Important Banks (D-SIB)? a) SBI b) ICICI Bank c) HDFC d) a & b e) All

263. Provision to be maintained on substandard assets which are fully secured. a) 15% b) 20% c) 30% d) 5% e) 10% 264. Loans to Bank staff backed by terminal benefits attracts Risk Weights @ a) 0% b) 5% c) 10% d) 20% e) 50%

265. Balances under Cash Reserve Ratio (CRR) earn interest @.... a) 3% p.a. b) Applicable SB Interest Rate c) 5% p.a. d) No interest e) None

266. As per recent guidelines, the aggregate withdrawals including transfers in Small Accounts (BSBDA/PMJDY) cannot beyond ……….. in a month. a) `5000/- b) `10000/- c) `24000/- d) `50000/- e) None

267. Branches are required to obtain …… while opening Current Accounts in the name of companies/institutions availing the credit facilities from other banks. a) P & C Report b) Due Diligence Certificate c) No Objection Certificate d) None

268. All loans sanctioned up to `…….lakhs for income generating non-farm sector activities are classified as Mudra Loans. a) ` 1 lakh b) ` 5 lakh c) ` 10 lakh d) ` 15 lakh e) ` 25 lakh

269. Banks are allowed to accept deposits under Capital Gains Scheme in …. a) Savings b) Fixed c) Current d) a & b e) Any scheme

270. A pensioner is maintaining joint account (Either or Survivor) with his wife. Branch received the request from wife of the pensioner to furnish the same account for family pension as the main account holder expired. Branch may a) Advise the customer to close the existing account b) Open another account exclusively for pension purpose c) a & b d) Allow the existing account for family pension payments e) None

271. Loans extended to Medium Manufacturing Enterprises shall be classified as Priority Sector provided the loan amount should be within…. a) `2 crore b) `5 crore c) `10 crore d) Not eligible e) Entire amount

272. Which of the following is an example of Financial Assets? a) National Saving Certificate b) Infrastructure Bonds c) Indira Vikas Patra d) Krishi Vikas Patra e) All

273. Which of the statement not true with regard to sanction of loan of `5 lakh to individual undertaking small business under Micro & Small Enterprise (MSE) category? a) Primary security is mandatory b) Collateral stipulation is the discretionary of the Bank c) Collateral should not be insisted d) Collateral is needed for all loans above `10 lakh e) None of the above

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274. Special Mentioned Accounts (SMA) attracts accelerated provisioning norms where banks…. a) Fail to report SMA status to CRILC b) Resort to methods with the intent to conceal the actual status of the accounts c) Evergreen the account d) a,b&c e) None

275. Maximum loan that can be allowed to third party against FCNR (B) deposits is …….. a) `50 lakh b) `100 lakh c) `150 lakh d) `200 lakh e) No ceiling

276. As per the recent guidelines, banks are advised to transfer unclaimed amounts to “Depositor Education and Awareness Fund (DEAF)” which includes… a) Current/SB/Term Deposits b) Un-reconciled NEFT/ATM credit transactions c) Undrawn balances in prepaid cards (except traveler cheques) d) a & b e) All

277. Number of free transactions at non-home ATMs are limited to 3 at all metro cities, however ….. accounts are exempted a) Current b) NRE SB c) Basic Savings Bank Deposit d) b & c e) None

278. Small Finance Banks are allowed to undertake ……. activities a) Deposit collection b) Withdrawals c) Small loans d) a & b e) All

279. The standard lot size for issuance of Priority Sector Lending Certificate (PSLC) by the Banks is a) `5 lakhs b) `10 lakhs c) `25 lakhs d) `50 lakhs e) `100 lakhs

280. Furnishing PAN or submission of Form 60 is mandatory for SB accounts including KYC complaint BSBD account/PMJDY account where the account balance…… a) `50000/- or more b) `500000/- or more c) `250000/- or more d) the total deposits made including transfer exceed `200000 e) b & d

281. Authorized Banks/Non-Banking institutions are allowed to issue prepaid instruments (other than Gift cards) for the value not exceeding ……….. a) `10000/- b) `25000/- c) `50000/- d) `75000/- e) `100000/-

282. Recording of Pension Payment Order (PPO) number on Pension Passbook is…….on the part of the Pension Paying Bank. a) Mandatory b) Optional c) Discretionary d) Must provided the pensioner gives request in writing e) None

283. Which of the following facility cannot be offered to visually challenged persons? a) Cheque Book b) Debit Card c) SMS d) Locker e) None

284. Tax Deduction at Source (TDS) is exempted for the interest earned, irrespective of the amount, on ……… deposits. a) Savings b) Fixed c) FCNR d) Recurring e) c & d

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285. The validity period of Kisan Credit Card is ….. years and the account is to be reviewed …….. a) 2 years & 1 year b) 3 years & 2 years c) 5 years & 2 years d) 3 years & 1 year e) 5 years & 1 year

286. The assets valued less than `100 lakh can be disposed by the Authorized Officer through “Private Treaty” under recent amendment to Rule 8 (8) of the Security Interest (Enforcement) Rules 2002, provided the secured assets must have been put for public auction/public tender for minimum ……..times. a) One Time b) Two Times c) Three Times d) Four Times e) None

287. Which is the Nodal Bank to administer Central Scheme to provide Interest Subsidy (CSIS) on Education Loans? a) State Bank of India b) of India c) Canara Bank d) Oriental Bank of Commerce e) None

288. Banks are mandated to use Ultraviolet lamp while passing instruments value of a) > `25000/- b) > `50000/- c) `1 lakh & above d) > `2 lakh e) > `5 lakh

289. Banks can issue draft against accepting cash up to…… a) `50000/- b) `20000/- c) `100000/- d) `49999/- e) Any amount

290. Recently, the Government of India has increased the interest rates on small savings by 40 basis points w.e.f 01.10.2018 which includes…. a) Sukanya Samrudhi Yozana b) Public Provident Fund c) Postal Savings d) Senior Citizen Savings Scheme d) a & b e) All

291. came into existence by merging of ... a) b) c) d) a & b e) All

292. Payment Banks are not allowed to…… a) Issue Credit Card b) Issue Debit Card c) Start ATM/BNA d) Issue Cheque Book e) Accept Deposits

293. “ Bank” Headquarters located at…. a) Mumbai b) Bangalore c) New Delhi d) Noida e) None

294. Promoter of Paytm is……. a) Nanda Kishore Sai b) Renu Satti c) Vijay Shekar Sarma d) Ramanjaneyulu e) Sashi Arora

295. Name the new banks commenced operations in the year 2018. a) b) Paytm Bank c) Equitas d) Ujjain e) None

296. “Unnati Card” issued by...... a) State Bank of India b) Bank of India c) d) Oriental Bank of Commerce e) Dena Bank

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297. The first bank introduced “Electronic Virtual Assistant (EVA)” in India is a) ICICI Bank b) State Bank of India c) d) Bank e) HDFC Bank

298. Banks which are recently merged with State Bank of India are..... a) b) c) d) a & b e) All

299. The first bank to launch “Aadhar Pay” biometric payment system was...... a) b) State Bank of India c) ICICI Bank d) HDFC Bank e) IDFC Bank

300. TDS on bank deposits is increased from `10000/- to `50000/- to ……… a) Senior Citizen b) Super Senior Citizen c) NRIs d) a & b e) None

301. Funds can be transferred through “Unified Payment Interface (UPI)” by using any of the following inputs. a) Account Number + IFSC b) Mobile Number + MMID c) Aadhar number d) a & b e) a, b & c

302. Prime Minister Vaya Vandana Yojana (PMVVY) has launched with an objective of providing assured pension to Senior Citizens. The scheme is administered by a) Government of India b) State Bank of India c) LIC of India d) All Scheduled Commercial Banks e) None

303. First Chairman of National Company Law Tribunal (NCLT) looking after cases under Insolvency and Bankruptcy Code (IBC) a) M S Sahoo b) Vinod Rai c) Ratan P Watal d) M M Kumar e) None

304. Name the credit rating institution promoted by RBI along with SBI, HDFC Bank and ICICI Bank? a) CIBIL b) ICRA c) CRISIL d) ONICRA e) FITCH

305. LAF stands for...... a) Long Awaited Funds b) Loan Adjustment Fund c) Liquidity Adjustment Facility d) Long Audit Format e) Non

306. Apiculture relates to a) Bee Keeping b) Apple cultivation c) Leafy vegetable cultivation d) Silk production e) None

307. The term “Green-shoe option” is used in relation to a) Capital mobilised by power generation companies b) Environment Audit c) Portion of the equity subscribed by the public over and above the issued amount d) Credit appraisal of corporate accounts e) None

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308. Payment of Gratuity (Amendment) Bill 2017 proposed to increase the payment of tax-free gratuity from the existing maximum of ...... lakh to ...... lakh. a) `5 lakh to `10 lakh b) `10 lakh to `15 lakh c) `10 lakh to `20 lakh d) `15 lakh to `20 lakh e) No limit

309. Who is the CEO of ICICI Bank? a) Chanda Kochar b) Sandeep Bakshi c) V K Sharma d) M K Sharma e) None

310. The book “I Do What I DO” authored by a) Y V Reddy b) Ranga Rajan c) Urjith Patel d) Raghuram Raj e) S S Mundra

311. First district achieved total banking i.e. covered all house-holds with bank account. a) Mahe b) Kottayam c) Ernakulam d) Kannur e) Palakkad

312. The Headquarters of “Institute for Development and Research in Banking Technology (IDRBT)” situated in….. a) Gurgoan b) Mumbai c) Bangalore d) e) Hyderabad

313. New `200 denomination currency note bears the signature of a) Urjit R Patel b) R Gandhi c) Viral Acharya d) B P Kanungo e) N S Vishwanathan

314. As per RBI guidelines, customer need not pay unauthorized electronic banking transaction amount (Zero liability) provided the same is notified within ...... working days of receiving the communication from the bank regarding the unauthorized transaction. a) 3 days b) 4 to 7 days c) 10 days d) 15 days e) None

315. Name the committee who recently submitted its report on “Corporate Governance” and ready for implementation shortly. a) Ganguly Committee b) Kotak Committee c) N R Narayana Murty d) Kumar Mangalam Birla e) None

316. PIN stands for a) Personal Index Number b) Permanent Index Number c) Personal Identification Number d) Permanent Index Number e) None

317. First Bank in India ... a) Imperial Bank of India b) Bank of Hindustan c) Owdh CommercialBank d) State Bank of India e) Bank of Calcutta

318. Oldest Commercial Bank in India with its own entity a) State Bank of India b) c) d) Punjab National Bank e) Andhra Bank

319. First Private Bank in India in Post Nationalization era. a) Karuru Vysya Bank b) ICICI Bank c) HDFC Bank d) AXIS Bank (UTI Bank) e) Kotak Mahendra Bank

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320. Name the Public Sector Bank having highest number of branches abroad. a) SBI b) Bank of Baroda c) Bank of India d) IOB e) None

321. The interest payable on Sovereign Gold Bonds is...... a) Yearly b) Half-yearly c) Quarterly d) Monthly e) On maturity

322. The premium payable for PMJBY scheme is Rs..... a) `12/- per month b) `24/- per month c) `330/- p.a d) `360/- p.a e) None

323. “E-Kuber” is a Core Banking Solution of a) RBI b) SBI c) IDRBT d) NPCI e) None

324. Banks which were merged with SBI in the year 2017 a) SBH b) SBT c) Bharatiya Mahila Bank d) a & b e) All

325. Banks Bureau Board (BBB) headed by….. a) Bhanu Pratap Sharma b) Vinod Rai c) HN Sinor d) A K Khandelwala e) Roopa Kudva

326. Headquarters situated in...... a) Hyderabad b) New Delhi c) Kolkata d) Mumbai e) Chennai

327. Name the state/s where no Public Sector Bank or New Private Sector Bank is having Headquarters. a) Telengana b) Andhra Pradesh c) Assam d) b & c e) None

328. The state having highest Credit Deposit (CD) ratio.... a) Chandigarh b) Tamil Nadu c) Maharastra d) Haryana e) Delhi

329. What is the rate of interest payable on the deposit made under PMGKDS-2016? a) SB interest b) Applicable Term Deposit rate c) Repo rate d) 2.50% p.a. e) No interest

330. With regard to lending to farm sector, the guidelines on obtention of No Due / No Objection certificate are……. a) Banks should not insist for the certificate for loans up to `50000/- b) No charges are to be levied for issuance of certificate c) Self declaration from the farmer is to be obtained d) All above e) None of the above

331. Government of India authorized the…….., to act as and to perform the functions of the Central KYC Registry (C-KYCR) a) CARE b) CIBIL c) CERSAI d) ICRA e) None

332. Which statement is true for the banks which intend to undertake insurance underwriting business in India? a) Minimum networth `1000 crore b) CRAR should be 10% & above c) Net NPA should not cross 3% d) a & b e) All

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333. The minimum paid up capital required to start a new Private Universal Bank. a) `50 crore b) `100 crore c) `200 crore d) `500 crore e) None

334. The provisions of NCLT act shall not apply to the borrowers where the amount of debt due to Banks/Financial Institutions is less than…. a) `5 lakh b) `10 lakh c) `20 lakh d) `100 lakh e) None

335. Electoral Bonds are issued by….. a) Reserve Bank of India b) Govt. of India c) State Bank of India d) Any Public Sector Bank e) None

336. As per FDI policy for Insurance sector, the limit of foreign investment in insurance sector has been enhanced from ..... to...... under automatic route a) 24% to 49% b) 26% to 49% c) 49% to 74% d) 49% to 75%

337. RBI proposes to introduce External Benchmark MCLR (EBMCLR) for ………..loans st from 1 April 2019. a) Corporate Loans b) Government Sponsored Schemes c) Infrastructure loans d) Agriculture loans e) Retail loans

338. The subscribers of Sovereign Gold Bonds online are eligible for the incentive of…. a) `50 per gram b) `100 per gram c) `500/- d) `1000/- e) None

339. In order to promote digital transactions further, the Government of India has st announced important initiatives to merchants with effective from 1 January 2018. a) Government reimburses 50% of MDR charges b) MDR charges should not exceed `100/- for all small value transactions up to `5000/- c) No MDR charges for transactions, irrespective of amount, done through AePS d) Government reimburses 100% to merchants for transactions done (up to `2000/-) using debit card, BHIM UPI and AePS e) None

340. Direct Benefit Transfers (DBT) are being credited online to the bank account of the beneficiaries. However, in case of multiple accounts, the DBT is credited to the a) First linked account b) Last linked account c) Account opened under BSBD d) Account opened under PMJDY e) Last linked account by default, however switchover option is available to the beneficiary

341. Set/reset of MCLR of the Banks is being done by……. a) Indian Banks Association b) Reserve Bank of India c) Planning Department of the Bank d) Asset Liability Committee (ALCO) e) Discretion of the Bank

342. Most appropriate method to distribute dividends to the share holders across the country through…… a) ECS - Credit b) RTGS c) ECS – Debit d) NEFT e) Payable at Par Cheques

343. Bank deposit (Fixed) maturing on Sunday, shall deem to be payable on…. a) Monday b) Immediate succeeding working day c) Preceding Day i.e. Saturday d) a & b e) None of the above

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344. “Project Sashakt” envisages the following initiatives to resolve the stressed assets. a) Loans up to `50 crore should be referred to Steering Committee and resolve within 90 days & loans above `50 crore & up to `500 crore should be referred to Bank-led resolution within 180 days b) Setting up of Asset Management Company & Asset Trading Platform c) Approach to NCLT d) a & b e) All

345. Central Fraud Registry (CFR) is maintained by…… a) CIBIL b) IBA c) UIDAI d) Central Vigilance Commission (CVC) e) RBI

346. ………….. is the designated authority for receiving the complaints under “Whistle Blowing Policy”. a) Chief Vigilance Commission (CVC) b) RBI c) Audit Committee of the Bank d) Chief Executive Officer (CEO) of the Bank e) Chief Vigilance Officer (CVO) of the Bank

347. Name the Public Sector Bank/s reported Net Profit for the year 2017-18? a) b) State Bank of India c) Vijaya Bank d) Indian Bank e) c & d

348. Which Indian Currency Note recently completed 100 years of its inception? a) One Rupee b) Five Rupee c) Ten Rupee d) Fifty Rupee e) None

349. SIP investment is a preferred route for retail investors in Mutual Funds. SIP means a) Systematic Investment Plan b) Spot Investment Plan c) Strategic Investment Plan d) Systematic Intention Plan e) Systematic Income Plan

350. The slogan “One Nation, One Tax” pertains to a) Income Tax b) Import Duty c) Indian Defence Services d) Goods & Services Tax (GST) e) None

351. The objective of Cheque Truncation Scheme (CTS) is to…… a) Implement Speed clearing at all places b) Dispense movement of instruments across Banks/Centers (Online image transfer) c) Arrest frauds d) All above e) None

352. Bank is empowered to take possession of securities (other than agricultural properties) under provisions of……………Act, when the borrower fails to repay the loan as per the agreement. a) Indian Contract Act b) Revenue Recovery Act c) DRT Act d) SARFAESI Act e) Banking Regulation Act

th 353. Who is the 25 Governor of Reserve Bank of India? a) Shakthikanta Das b) Urjit Patel c) Raghuram Rajan d) D.Subba Rao e) Aravind Subramanian

354. Who is the first chairperson of Insolvency and Bankruptcy Board of India (IBBI)? a) Dr.M S Sahoo b) Vinod Rai c) Ajay Tyagi d) Dr.Shashak Saxena e) A.Unnikrishnan

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355. Which bank launches YONO (You Need Only One), a Unified Integrated application for Financial Services? a) SBI b) ICICI c) HDFC d) Kotak Mahendra e) Union Bank

356. A Certificate of Deposit (CD) is issued at….. a) Face Value b) Maturity Value c) Discount to Face Value d) a & b e) None

357. RBI imposed a penalty of `58.90 crore to………… in March 2018 for failure to meet disclosure norms on sale of securities. a) ICICI Bank b) IDFC Bank c) State Bank of India d) Kotak Mahendra Bank e) Canara Bank

358. As per Reserve Bank of India revised guidelines, Public/Private sector banks are required to extend finance to Women Self Help Groups (SHGs) in rural areas at …….. p.a. for the year 2017-18. a) 10% b) 9% c) 7% d) 4% e) MCLR

359. Which bank launched a “Chabot” to help customers in banking activities? a) HDFC Bank b) c) ICICI Bank d) State Bank of India e) None

360. The first merger among PSBs in post nationalization era took place between….. a) SBI & Associate Banks b) SBI & c) BOI & d) PNB & New Bank of India e) Indian Overseas Bank &

361. EEFC Account can be opened by a) Non Resident Indian (NRI) b) NRI who returned to India permanently c) Any Resident with local source of income d) Residents who have forex earnings e) None

362. Bank undertakes construction/repair works of its building by engaging a contractor and the bill amount is `5 lakh. What is ….% to be deducted by the Bank towards TDS as per the recent GST guidelines. a) 1% of the value b) 2% of the value c) 5% of the value d) 10% of the value e) None

363. All Currency Chest remittances of above `10 crore should be escorted by…. a) Bank Staff b) Bank Staff & Armed Guards c) Bank Staff (Officer + Sub-staff) with Police Armed Escort d) Only with Armed Escort e) None

364. Under TReDS, Banks discount the invoices raised by ……… & lends to ……. online. a) Corporates & MSMEs b) MSMEs & Corporates c) MSEs & Any entity d) Corporates & Corporates e) None

365. Mobile wallet companies are now empowered to issue payment instruments which has a feature of…….. a) Credit Card b) Debit Card c) Debit Card with interoperability across wallet companies and Banks d) Interoperability among wallet companies only e) None

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366. All GST Taxpaying entities whose.…are required to undertake GST Audit every year. a) Annual turnover is above `200 lakh b) Annual turnover is above `500 lakh c) GST collected in the financial year is above `100 lakh d) GST collected in the financial year is above `00 lakh e) None

367. A report on Top-100 Bank Frauds is released in October 2018 by …….. with an intent to strengthen Standard Operating Procedures (SOPs) and the monitoring system, and also highlighting the role of controlling offices in the Banks. a) Reserve Bank of India (RBI) b) Ministry of Finance (MoF) c) National Institute of Bank Management (NIBM) d) Central Bureau of Investigation (CBI) e) Central Vigilance Commission (CVC)

368. The innovative tech-savy plastic card titled “Duo Card” with both the features of Credit and Debit Card was introduced first time in India by ………... a) IndusInd Bank b) HDFC Bank c) ICICI Bank d) SBI e) None

369. “Leverage Ratio” indicates the capacity of the firm/company to borrow funds from Banks based on its …….. a) Financial Strength b) Reputation c) Security Coverage d) Credit Rating e) None

370. Bank Loans extended to ……. covers under MUDRA scheme. a) Retail /Small Business b) Two Wheelers for commercial use c) Tractors / Power Tillers for commercial use d) a,b,c e) None

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Question Bank – Key No Ans No Ans No Ans No Ans No Ans No Ans No Ans 1 e 54 d 107 e 160 d 213 d 266 b 319 d 2 a 55 b 108 c 161 c 214 e 267 c 320 b 3 d 56 d 109 b 162 d 215 b 268 c 321 b 4 d 57 e 110 d 163 a 216 d 269 d 322 c 5 e 58 d 111 b 164 e 217 b 270 d 323 a 6 b 59 e 112 a 165 e 218 e 271 e 324 e 7 c 60 d 113 a 166 e 219 c 272 e 325 a 8 b 61 a 114 a 167 c 220 c 273 b 326 c 9 e 62 c 115 c 168 a 221 a 274 d 327 d 10 b 63 a 116 b 169 a 222 b 275 e 328 b 11 d 64 d 117 c 170 d 223 c 276 e 329 e 12 b 65 a 118 b 171 b 224 c 277 c 330 d 13 d 66 a 119 d 172 e 225 c 278 e 331 c 14 d 67 e 120 a 173 e 226 b 279 c 332 e 15 d 68 a 121 d 174 c 227 b 280 e 333 d 16 c 69 c 122 c 175 e 228 b 281 a 334 c 17 d 70 d 123 d 176 d 229 b 282 a 335 c 18 e 71 a 124 e 177 a 230 a 283 e 336 b 19 d 72 d 125 b 178 b 231 e 284 c 337 e 20 a 73 b 126 c 179 a 232 c 285 e 338 a 21 d 74 c 127 b 180 a 233 d 286 a 339 d 22 d 75 a 128 a 181 e 234 c 287 c 340 e 23 e 76 a 129 e 182 c 235 d 288 b 341 d 24 b 77 c 130 e 183 d 236 d 289 d 342 a 25 b 78 a 131 a 184 e 237 c 290 e 343 b 26 d 79 b 132 a 185 d 238 c 291 e 344 e 27 c 80 d 133 e 186 c 239 e 292 a 345 e 28 e 81 a 134 c 187 d 240 c 293 d 346 e 29 b 82 d 135 d 188 d 241 e 294 c 347 e 30 e 83 e 136 b 189 d 242 c 295 a 348 a 31 d 84 b 137 a 190 a 243 c 296 a 349 a 32 a 85 a 138 b 191 e 244 c 297 e 350 d 33 d 86 d 139 e 192 e 245 a 298 e 351 d 34 d 87 c 140 b 193 a 246 a 299 e 352 d 35 b 88 d 141 b 194 a 247 e 300 d 353 a 36 c 89 d 142 a 195 d 248 e 301 e 354 a 37 e 90 b 143 a 196 d 249 a 302 c 355 a 38 c 91 a 144 c 197 d 250 e 303 a 356 c 39 a 92 e 145 d 198 c 251 c 304 a 357 a 40 d 93 e 146 c 199 b 252 a 305 c 358 c 41 c 94 c 147 c 200 c 253 b 306 a 359 d 42 e 95 c 148 e 201 d 254 a 307 c 360 d 43 b 96 d 149 e 202 e 255 c 308 c 361 d 44 c 97 d 150 d 203 c 256 d 309 b 362 b 45 e 98 c 151 d 204 b 257 e 310 d 363 c 46 d 99 c 152 d 205 a 258 e 311 e 364 a 47 d 100 c 153 d 206 b 259 c 312 e 365 c 48 e 101 d 154 b 207 e 260 e 313 a 366 a 49 b 102 a 155 a 208 d 261 e 314 a 367 e 50 d 103 d 156 a 209 a 262 e 315 b 368 a 51 e 104 c 157 d 210 a 263 a 316 c 369 a 52 a 105 b 158 e 211 a 264 d 317 b 370 d 53 a 106 c 159 b 212 d 265 d 318 d

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Wish you a Happy and Colorful “Life & Career”

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